Page 13 - Sports Energy News, Cornwall, Issue No 152

www.sportsenergynews.com Issue #152 September 2025 13

“Pommier Jewellers September

Sports Mom”

Stephanie

MacDonald

We are pleased to present this month’s
Sports Mom of the Month. Stephanie, a
Registered Early Childhood Educator
at Young Achievers Daycare, spends
much of her free time supporting her
two children, Kyley, and Parker, in
their athletic passions.
Her son, Parker McDonald, age 10, a
Grade 6 student at Longue Sault Public
School, is no stranger to challenges. A
two-time cancer warrior, Parker underwent
a rotationplasty (amputation) to his right leg
but has never let it slow him down. Before his diagnosis, he was a dedicated
member of the South Stormont Selects hockey team, playing since IP level,
and he loved playing soccer as well.

Now, Parker has set his sights set on returning to the ice with his friends.
He has been training with Own The Ice to work toward that goal. In the
meantime, he has discovered new athletic Continued on page 17

Johnston - Continued from page 10 $0 and the accounts are closed, those credit reports from both Equifax credit file accuracy and disputes. He
to learn their rules. negative remarks can still impact and TransUnion. Make sure you’re knows how to deal with Equifax and
What should be removed, and what how lenders see you. Mortgage reviewing the full reports, not just TransUnion directly and effectively.
should remain? lenders in particular use Equifax data the consumer summaries. The bottom line
Here’s the important part. When your heavily, and if their underwriter sees 2. Flag all accounts still showing Once your consumer proposal is
consumer proposal is cleared from a bunch of charge-off-style language, proposal-related comments. Take behind you and enough time has
your credit report, it should disappear like “settled through proposal,” or screenshots or highlight them, these passed, your credit report should
from both the public records section “included in proposal,” they’ll often are what you’ll dispute. reflect a clean slate. If it doesn’t,
and from each individual account treat you like you’re still in the 3. Don’t apply for any new credit that’s not your fault, but it is your
that was included in the proposal. recovery phase, even though you’ve or mortgages until these are responsibility to fix it before moving
If you’re still seeing account notes done the hard work and moved on. corrected. A premature application ahead with major financial steps
that say things like: “Account closed, Worse, if you apply for credit and could lead to a rejection, and that like mortgage renewals or new
included in proposal,” or “Written off are denied based on that outdated rejection will be visible to future applications. Don’t guess your way
as part of a proposal,” even though information, that rejection could lenders. through this part. A few lingering
the proposal itself no longer appears, damage your profile further. You 4. Work with a professional to notes can cost you thousands in higher
those notes are stale, and frankly, don’t want to be penalized again for dispute the items. rates, or even a flat-out decline. Get
they shouldn’t still be there. something you already resolved. For example, Richard Moxley, a your credit file properly updated, and
Why these leftover notes still matter Here’s what we recommend: CMT contributor, is one of Canada’s you’ll be in a much stronger position
Even if your balances are showing as 1. Get a current copy of your most knowledgeable experts on to move forward with confidence.

Ming- Continued from page 10 a hard time discussing it, but it future. It’s less about money itself, Fund Dealer & an EMD Dealer in
ensures your wishes are clear and and more about what money makes selected provinces. The opinions
your money (or pay more tax than
your loved ones aren’t left guessing. possible; peace of mind today, and expressed in this communication
you need to).
Lastly, there’s the “what if” At the end of the day, a planner freedom tomorrow. are those of the writer and do not
planning, namely wills and powers helps families feel organized, Disclaimer: Equity Associates necessarily reflect those of Equity
protected, and confident about the Inc. is registered as a Mutual Associates Inc.
of attorney. Many families have